Date Received: 2021-06-28
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: On XXXX the XXXX at XXXXXXXX XXXX I had done a card to bank transfer from US Bank ReliaCard to XXXX XXXX for {$100.00} the transfer was never completed nor did it come back I was given two different Trace numbers and told to resolve the problem myself that they didn't do that because I was with a prepaid card that I didn't ask for I've asked for my pua pandemic payments to be direct deposited and they will not do it they say we have to have the debit card however the next one took place on XX/XX/XXXX at XXXX XXXX. a card to bank transfer from my US Bank ReliaCard accidentally done to XXXX XXXX XXXX for {$50.00} XXXX XXXX was contacted and they never received anything that they had turned around it never went to them and my bank is saying that they can't do anything but possibly put a trace on it and they want me to do the leg work and find out where it went myself I have asked multiple times to have direct deposit to my personal bank account for this main reason here somebody's taking the money and they're not returning it and I'm tired of fighting with them I can't give you the proof physically because I do not get paper statements and my phone will not allow me to take screenshots of the transactions for security purposes
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 161XX
Submitted Via: Web
Date Sent: 2021-06-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-29
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I received an e-mail from US Bank thanking me for my application for a credit card. I did not apply for a credit card. I tried to call US Bank fraud division to report it, but it is closed even though their website says they are a 24/7 agency. The application ID # is : XXXX according to their e-mail. I did notify XXXX XXXX which I am a member since my identity has been stolen before. XXXX XXXX e-mail XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 145XX
Submitted Via: Web
Date Sent: 2021-06-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-28
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Hello, I filed a complaint on XX/XX/2021 and I got the response asking me to follow instructions to refund me. I followed the instructions, but I did not get the refund yet. It is more than 3 months now. Please refer to the previous complaint for more details. Complaint ID : XXXX. I also attached a PDF file with the previous complaint. Thank you,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-29
Issue: Trouble during payment process
Subissue:
Consumer Complaint: U.S. Bank sent me two escrow shortfall statements within months of each other. In XXXX, my mortgage insurance was supposed to be removed. I was advised this a year ago by a U.S. Bank employee. I contacted U.S. Bank in XXXX and they sent a letter advising the mortgage insurance would be removed. Thereafter, my payment went down approximately {$220.00}. However, I received an escrow shortfall statement advising {$100.00} would be deferred over the next year ( which would increase my monthly payment ). I paid it in full and delineated it to be applied to the escrow. Thereafter, not even two months later, I receive another escrow shortfall notice, now advising {$190.00} is due. I just paid the {$100.00} in XXXX! I called and spoke to a rep who was unsure of what was going on, advised continuously that she had to look over my records, said it was due to the mortgage insurance being dropped, and just seemed so unsure, I figured I'd send an email. I sent an email the same day, around XX/XX/XXXX or XXXX, and to date, I have not received an answer from U.S. Bank. I advised them they collected mortgage insurance from me for months when it should have been removed, and hit me twice for a total of {$290.00} for an escrow shortfall but won't answer me about why they collected mortgage insurance longer than they should have. I emailed twice and to date have not heard back. Also, the U.S. Bank website in my account doesn't show the emails I sent, only the ones they send. I'm so disappointed. I've maintained a good payment history and relationship with U.S. Bank and feel they can at least dignify me with a response to my concerns. I don't understand this process and asked for clarity but they refuse to answer me. Is this something a lender can do? Charge me a shortfall twice, within two months. They tried to increase my payment more than {$20.00} after removing the mortgage insurance ( first shortfall of {$100.00} and the second of {$190.00} ). Is this normal? Why is it fair that they can collect mortgage insurance for months after I met the equity requirements to have it removed, and then come to me twice to increase my payment? This isn't fair to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20740
Submitted Via: Web
Date Sent: 2021-06-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-28
Issue: Other transaction problem
Subissue:
Consumer Complaint: USBANK : My Name is XXXX XXXX I have an Checking account XXXX and Routing Number XXXX. I purchased the tickets from XXXXXXXX XXXX XXXX on XX/XX/2021 in morning and request transfer electronic funds to XXXX XXXX Account Number XXXX and Routing Number XXXX, XXXX XXXX XXXX XXXX after tickets confirmed from XXXX XXXX. In evening when i called XXXX XXXX they told me tickets are cancelled by Travel Agent. I called USBANK customer service to cancel this payment, it was due on XX/XX/2021 because of Saturday and Sunday and it takes 4 days to transfer the funds too. Bank Customer transferred to Fraud and Dispute transfer and told me after trasferred money " We will file a disputed case and then returned your money of {$1200.00} ''. I called so many times on recorded lines and all the time i got different reply. I call Cops and filed the complaint and give the complaint copy to Bank, Filled three times disputed forms. Two time bank fraud department told me you will get money in 1 week, I called after one week, they told me it is denyed, filed one more time disputed form. then i followed it, Fraud section told me they are working but you will get your money. I followed almost 10 times all are on recorded line, finally bank disputed section told we can't returned your money reason in I transferred electronically. But Same day i spoke to Bank asked them to cancel this transaction immediately because Agent is Fruad. I spoke to Agent 's Bank too but they told me go Cops which i did reported the complaint too. I filed this complaint AIG office, XXXX XXXX but No action. I am looking for my refund from USBANK, because they didnt cancel when i asked but they told me after transaction we will file dispute and refund money. All conversation on recorded line on US BAnk. Looking for your help. Thanks XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX Email : XXXX Phone : XXXX ' Thanks
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60193
Submitted Via: Web
Date Sent: 2021-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-26
Issue: Opening an account
Subissue: Confusing or missing disclosures
Consumer Complaint: On XX/XX/2021, I opened a new checking account at US Bank branch at XXXX XXXX, UT with a promo code XXXX that gives me {$300.00} after meeting certain requirements. From the fine prints available at opening this account, the requirements are : 1. open a new checking account other than student or safe debit account by XX/XX/2021 ; 2. complete recurring direct deposits that total {$3000.00} or more within 60 days of account opening ; 3. enroll in e-statement by XX/XX/2021. For requirement 1, my checking account is the basic easy checking account and I'd never had a connection with US Bank before. Therefore it is a new checking account of eligible type. For requirement 2, I made 3 direct deposits of {$2000.00} each that total {$6000.00} on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, respectively. Therefore recurring direct deposits totaling {$3000.00} or more were completed within 60 days of opening the account. For requirement 3, I enrolled e-statement when I opened the account. Therefore it is met, too. The fine prints of the offer say the bonus will be deposited within 60 days after all requirements are met and verified. After more than 3 months I met all the requirements, I still didn't receive {$300.00} bonus. I made multiple calls over the past 3 months to US Bank but it didn't get solved. Until XX/XX/XXXX, I got a call from US Bank and the person in the call told me I did not meet the requirement because I had to make direct deposits of at least {$3000.00} in each single deposit. For such obvious misleading and made-up excuse of not grant me the bonus, I tried to have some questions clarified in the call but that person failed to do so. The fine prints of the offer clearly say " direct deposits that total {$3000.00} or more '', by which a normal person would interpret it as " multiple deposits as long as they add up to at least {$3000.00} ''. But that person stubbornly insisted it has to be one single deposit of at least {$3000.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07039
Submitted Via: Web
Date Sent: 2021-06-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-26
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: Stimulus check account was positive 4 months later charged me for some reason covid that I never had it wanted let alone knew about. I get double n triple charged I'm getting pandemic unemployment I have not gotten it checked in 3 weeks they keep overcharging and overcharged in an overcharged in an overcharging my account needs to be looked at fixed and done with immediately XXXX to US Bank
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MT
Zip: 59801
Submitted Via: Web
Date Sent: 2021-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX continues to post fraudulent information related to two fraudulent US Bank accounts. XXXX was provided several FTC reports, Valid Police Reports & Identity Theft Information. It was outlined clearly that I work outside the US and have done so since 2014. The address used under my name is a PO Box . That PO Box was compromised and personal information like social security number and ID were used to open the accounts with US Bank, several other credit card companies and banks. All providers with the exception of US Bank honored the information submitted and confirmed fraud. US Bank, with the help of XXXX, continues to submit the exact same information to XXXX, suggesting the accounts are valid. This is a flat-out lie and XXXX continues to perpetuate this false narrative. I am demanding that XXXX ( who removed the fraudulent accounts only to allow US Bank to submit the same garbage they submitted four times prior ) once and for all do what is required under Federal Regulations and the state of California when it comes to companies posting correct information on credit reports, remove the US Bank accounts for good. Stop asking US Bank if the info. is valid, as they lie to damage consumer reports. You have an obligation under the law!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91342
Submitted Via: Web
Date Sent: 2021-06-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-25
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2021 Saturday I was charged fraudulently for {$39.00} by a gym I am not a member of. I immediately contacted US Bank and told them about the charge and they said they couldnt do anything because it was pending. I requested a call back on Monday to fix things to which they agreed. I never heard anything and after about a week I contacted US Bank again this time the charge was reversed. They informed me I was being sent paperwork to certify the charge wad fraudulent. I returned the paperwork and everything seemed ok. But today they have removed {$39.00} from my account. This time it appears to be US bank taking the money out. They have not contacted me with any explanation for the debit. This has been such an inconvenience and I just cant understand why they are taking my
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95648
Submitted Via: Web
Date Sent: 2021-06-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 936XX
Submitted Via: Web
Date Sent: 2021-07-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A